Background

Victoria Finance Plc (VFP) is a leading microfinance company in Tanzania. Established in 2009 and started operation in 2010. The company is a regulated microfinance institution dedicated to providing microfinance services to low and middle-income earners, women, and youths in Tanzania. The company currently has seven branches and one insurance broking subsidiary company – Victoria Insurance Brokers Limited which was established in 2017. Victoria Finance has established branches in Dar es Salaam, Morogoro, Iringa Mbeya and Dodoma with ability to serve smallholder farmers in more than thirteen regions through its digital agriculture products – Kilimo Pesa.

The Company is inviting applications from qualified, experienced and result-oriented professionals to fill the position of Credit Analyst (1 post).

Position Details

The Credit Analyst will be responsible for assessing loan applications, analysing credit risk, and supporting sound decision in line with Victoria Finance’s credit policies and regulatory requirements. The role aims to ensure portfolio quality while supporting sustainable business growth.

Key Responsibilities

• Analyse and evaluate loan applications in accordance with approved credit policies and procedures
• Assess applicants’ financial position, cash flows, repayment capacity, and credit history
• Prepare detailed credit appraisal reports with recommendations for approval or decline
• Conduct credit risk assessments and borrower due diligence, including site visits where required
• Support credit committees and management with accurate and timely credit information

Qualifications and Experience

• Bachelor’s degree in finance, Accounting, Economics, Business Administration, or related field
• Minimum of 8 years’ experience in credit analysis or lending within a bank, MFI, or NBFI
• Knowledge of microfinance products and SME lending
• Professional qualifications (CPA, ACCA, CFA) will be an added advantage

• Analyse and evaluate loan applications in accordance with approved credit policies and procedures
• Assess applicants’ financial position, cash flows, repayment capacity, and credit history
• Prepare detailed credit appraisal reports with recommendations for approval or decline
• Conduct credit risk assessments and borrower due diligence, including site visits where required
• Support credit committees and management with accurate and timely credit information

• Credit analysis
• Credit risk assessment
• Financial analysis
• Due diligence
• Microfinance products knowledge
• SME lending knowledge

• Bachelor’s degree in finance, Accounting, Economics, Business Administration, or related field
• Minimum of 8 years’ experience in credit analysis or lending within a bank, MFI, or NBFI
• Knowledge of microfinance products and SME lending
• Professional qualifications (CPA, ACCA, CFA) will be an added advantage